Noncancellable ("Non-Can")

Health Insurance contract where the insured has a right to continue in force by payment of premiums, as set forth in the contract, for a substantial period of time, also as specified in the contract. The insurer has no right to make any change in any provision of the contract, during that period of time. It is recommended that the term "noncancellable" not be permitted to be used to designate any form that is not renewable to at least age 50 or for at least five years if issued after age 44.

Non-disabling Injury

Injury not qualifying the insured for total or partial disability benefits.

Nonduplication of Benefits

Provision in some policies specifying benefits will not be paid for amounts reimbursed by others. Often called coordination of benefits (COB).

Non-Occupational Policy

Policy or provision of a policy excluding accidents that occur on the job, when such employment is covered by workers compensation.

Nonparticipating Provider

1) Provider who has not signed a contract with a health plan. 2) Medical or health care provider who is not certified to participate in the Medicare program.

Nonparticipating Provider Indemnity Benefits

Wervices provided by nonparticipating providers are reimbursed under an indemnity basis.

Nurse Fees

Provision calling for reimbursement for fees of nurses other than those employed by the hospital.

Nursing Home

Licensed facility providing general nursing care to the chronically ill or those unable to take care of necessary daily living needs. Also known as Long Term Care facility.